Fort Worth TX
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Texas Lenders > Fort Worth

This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

Bad Credit Loan Testimonial Reviews

Fair Credit Lenders in Fort Worth TX

Lenders: contact us for listing removal.

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EECU Credit Union
1617 W 7th St, Fort Worth, TX 76102
www.eecu.org
817.882.0800

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First Class American CU
2595 S Polaris Dr, Fort Worth, TX 76137
www.fcacu.org
817.834.9777

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Fort Worth City Credit Union
2309 Montgomery St, Fort Worth, TX 76107
www.fwccu.org
817.732.2803

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Fort Worth Community Credit Union
6720 S Hulen St, Fort Worth, TX 76133
www.ftwccu.org
817.835.5000

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Bank of America Financial Center
500 W 7th St, Fort Worth, TX 76102
www.locators.bankofamerica.com
817.390.6161

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Worthington National Bank
500 Main St, Fort Worth, TX 76102
www.worthingtonbank.com
817.303.1200

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Texas Capital Bank - One City Place
300 Throckmorton St #100
Fort Worth, TX 76102
www.texascapitalbank.com
817.852.4000

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Chase Bank
420 Throckmorton St, Fort Worth, TX 76102
www.locator.chase.com
817.884.4105

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Unity One Credit Union
6701 Burlington Blvd, Fort Worth, TX 76131
www.unityone.org
817.306.3100

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American Airlines Federal Credit Union
4151 Amon Carter Blvd, Fort Worth, TX 76155
www.aacreditunion.org
817.952.4100

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Bad Credit Loan Form for Fort Worth TX

Fort Worth TX Lender Service Area Map

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Fort Worth TX 5x5 Loan App Volume

Top 5 Fort Worth neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly. See all Texas personal loan volume data.

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Car Loan in Fort Worth TX

Indy was in the market for a new car. Specifically a Tesla. He had a small business that was flush with cash at the time, but nothing he could access quickly.

His credit rating wasn't all that bad. His score at the time of applying was averaging in between 670-690 depending on if you check with Experian, Transunion, and Equifax.

After deciding on which options he wanted on his Model X, the price came to $96,378.23. So pretty much a $100K. He didn't want to finance it with Tesla, so he was applying with his bank branch.

He thought of buying the car through his company, but his wife convinced him purchase it privately. Unfortunately he was denied a loan from his bank branch, and went on to try a credit union based in Fort Worth. He tried getting approved with a 96 month term length.

He was denied again. The reason he was being denied approval with the bank and the credit union is because of his DTI (debt to income ratio). He thought since he had a positive cash flow from his business he would have no problem getting approved.

But no. So he decided to give us a shot and applied with our pre-app system. Below is the request he made as per the information he was willing to share publicly.

• Loan Amount (principal) = $100,000
• Interest Rate = 5%
• Term Length = 8 years (96 months)
• Monthly Payment = $1265.99
• Total Paid Back = $12,1535.23
• Total Interest = $21,535.23

So there you have it. The magic of interest. A cool $21K profit for the lender he was approved by. But Indy was more than happy to pay that much in interest. As long as he got his vehicle. He would have paid more interest if he had too. He went into this little purchasing adventure with a dangerous activities. He was so emotionally invested in the idea of owing a brand new Model X, that it completely made his decision making process flawed.

He never want to be entertaining the idea of a big purchase with emotion running high. You need to be cold and calculating when purchasing or leasing a car.

Indy gave us permission to mention that he had 3 loan offers come to his email box. Competition is key to how our service can work for you.

If you live in Fort Worth TX and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Lance Somerset

Lance Somerset founded the We Find Lenders Pool. He writes for WFL on rare occasions just for the fun of it, and to stay current with the content on our website. His son Andy and daughter Chris handle most of the research and writing.

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Employment & Education Advancement Opportunities in Fort Worth TX

If you live in Fort Worth and you're struggling to make ends meet, you may want to consider these ideas.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Fort Worth TX

Fort Worth Credit Repair
7269 Hawkins View Dr, Fort Worth, TX 76132
817.203.8321

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Best Texas Credit Pros
1508 Barron Ln, Fort Worth, TX 76112
www.besttexascreditpros.com
817.668.7797

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Certified Credit Counseling
Fort Worth, TX 76102
817.338.9600

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National Credit Repair
320 E 1st St, Fort Worth, TX 76102
fortworth-creditrepair.net
817.677.0866

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Usury and Regs. Governing Fort Worth TX

Usury Law(s) for Fort Worth TX / Legal: 6% Contract: Limit is calculated as per the median (avg.) twenty-six month United States T-Bill amounts times two. However, it can't be lower than eighteen percent or over twenty-four percent. Judgment: calculated as per the fifty-two week T-Bill but never less than five percent or higher than twenty percent. Complete usury law for Texas see §306 and §303 / for Texas residents with bad credit or fair credit who want to submit a loan application

If you believe any Fort Worth Texas based lender is using predatory lending tactics, you can file a complaint:

Texas Department of Savings and Mortgage and Lending / Physical mailing address is 2601 N. Lamar, Suite #201, Fort Worth, TX 78705 / Toll free: 1-877-276-5550 / Fax: 512-936-2003 / Online complaint form / See full list of ways to file a complaint against a lender in Texas

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WFL Loan Product Menu

Bad Credit Loans

Bad credit scores below FICO 650
200+ lenders review your pre-application(s)
Applying does not worsen your credit score
Interest rates starting as low as 9% (cs)
Collateral not always required
Funding between 24 hours and 5 days
Terms from 6 months to 10 years
Borrow between $500 and $50,000

Fair Credit Loans

Loans for people with 650+ credit scores
500+ lenders can review your application
Interest rates starting as low as 7% (cs)
Fast approvals and fast funding
Line of credit approvals with reasonable APR
Borrow between $500 and $150,000

Debt Consolidation Loans

Lenders who provide bad credit consolidation
Debt settlement or debt relief services
300+ lenders can review your application
Interest rates starting as low as 7% (cs)
Seamless approval and funding process
Debt relief counseling available
Borrow form $5000 - $150,000

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